FSBC
Five Star Bancorp37.66
-0.11-0.29%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
10% growth guide tempers outlook
Q&A offered fresh 2026 guidance: 10% loan and deposit growth, slower than 2025's surge, as payoffs hit and $175M broker deposits get swapped for core funding via 42 BDOs. Loan spreads face pressure—down to 200bps over prime outside niches—while refinancings reset old 4% handles lower. Expenses eyed at 1.48%-1.55% of assets; capital holds for 10% pace but needs bolstering if faster. Efficiency sticks near 40% with ongoing hires. Payoffs loom large in 2026. Management sounded confident yet pragmatic; watch deposit hustle and hiring ramp.
Key Stats
Market Cap
804.72MP/E (TTM)
13.95Basic EPS (TTM)
2.70Dividend Yield
0.02%Recent Filings
10-K
FY2025 results
Five Star Bancorp closed FY2025 ended December 31, 2025 with total assets of $4.8B, loans held for investment of $4.1B (up from $3.5B at 2024-end), and deposits of $4.2B. Net income hit $61.6M or $2.90 diluted EPS, fueled by net interest income jumping 26.9% to $151.9M with NIM expanding 23bps to 3.55% on 14.7% loan growth and 19bps higher loan yields, though deposit costs fell 16bps to 2.40%. Q4 momentum shone through robust balance sheet expansion—loans +15.3%, deposits +18.1%—while provision for credit losses rose to $9.7M on growth and CECL refresh, keeping ACL/loans steady at 1.09%; nonperformers ticked to 0.08%. Liquidity stays bulletproof at $2.3B including $631M FHLB capacity, funding steady quarterly dividends. Yet Northern California real estate concentration risks quarterly momentum if local downturns hit.
8-K
Q4 net income $17.6M, up 32% YoY
Five Star Bancorp posted Q4 net income of $17.6M, up 8% QoQ and 32% YoY, with full-year 2025 profits hitting $61.6M, a 35% surge. Loans grew 15% to $4.1B, deposits 18% to $4.2B, NIM expanded to 3.66%, efficiency dipped to 40.6%. Dividend hiked to $0.25/share. Nonperformers ticked to 0.08%. Strong organic growth shines.
8-K
Dividend raised to $0.25
Five Star Bancorp declared a quarterly cash dividend of $0.25 per share on January 16, 2026, up $0.05 from prior levels—the first hike since April 2023. Payable February 9 to record holders on February 2, it signals robust financials and organic growth execution. Dividend boosted. Forward-looking statements note risks detailed in SEC filings.
8-K
Q4 earnings date set
Five Star Bancorp announced its Q4 and full-year 2025 earnings release for after market close on January 26, 2026, followed by a management webcast at 10:00 AM PT the next day. Investors can access the live event via the company's website, with an archive available for 90 days. Details await the release.
10-Q
Q3 FY2025 results
Five Star Bancorp posted Q3 net income of $16.3M, up 49% y/y, with diluted EPS steady at $0.77 on 21.3M shares. Net interest income jumped 29% y/y to $39.3M on loan growth to $3.9B (up 10% q/q derived) and yield lift to 6.14%, though deposit costs ticked up; margins hit 3.56%. Deposits swelled 15% YTD to $4.1B, fueling $580M cash pile—liquidity stays rock solid. Non-GAAP metrics not disclosed in the 10-Q. Credit pristine at 0.05% nonperformers. Northern California real estate ties expose it to local slumps.
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